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And if you’re not sure which offer is right for you, just check out Wallet Hub’s editors’ picks.

The best credit cards with no balance transfer fee are Chase Slate® and the Bank Americard® Credit Card.

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And when they are, they tend to have fairly high regular APRs, according to Wallet Hub research.

So you’d be wise to use a balance transfer calculator to ensure you’re debt-free on schedule.

Because as fees go down, rates tend to go up, and vice versa.

So comparing only credit cards with no balance transfer fee or only zero percent balance transfer credit cards is ill-advised.

And it must offer a low-enough intro rate (0%, if possible) long enough for you to save money.

In other words, how much will you have to spend on fees and interest charges while paying your balance down to zero?

And the easiest way to crunch those numbers is with a credit card calculator.

Most credit cards with no balance transfer fees, and any other cards that do not have introductory balance transfer APRs, can therefore be thought of as lifetime balance transfer cards.

While no credit card company would offer 0% on balance transfers for an indefinite period of time, it is not uncommon to find low rates on lifetime balance transfer credit cards.

Both offer the potential for a free balance transfer, giving you the chance to get a 0% APR for 15 months without paying either an annual fee or a balance transfer fee.